November 2017

I know there are many times in life where we feel we could or should have done some things differently in our lives. Whelp as we all are aware each passing moment is irretrievable. The best thing we can do is move forward with intention.

There is a good saying that I myself should to go by a little more; “if you fail to plan you plan to fail”. My weekends at times are all over the place because I will plan maybe one event and play the remainder of my weekend by ear.

With this strategy, before I know it the weekend is OVER and I have not achieved even half of what I would’ve like to. I’m not sure if you can relate but this week (including the weekend) I am goal setting, planning my time and following the regimen, hopefully, you will create your own set of plans to go by.

Here are a few things I’ve learned have the potential to be major setbacks in goal setting and or planning:Continue reading

“Here I am, I’m still standing. Here I am, after all I’ve been through. I survived every toil and every snare…” Pastor Marvin Sapp

According to the Administrative Office of the U.S. Courts, in 2005, approximately 1.6 million people filed Chapter 7 bankruptcy. Unfortunately, I am one of the individuals included in that 1.6 million.

I was the designated fool amongst my family and “so-called” friends. My poor judgment caused me to co-sign for family and friends that didn’t like to pay their bills on time or not at all. I also accumulated a lot of debt on my own trying to get ahead in life.

Obtaining credit after bankruptcy is difficult. You will likely end up paying higher interest rates and could be targeted by unscrupulous lenders who believe that desperation makes you an easy target.

Regardless of your situation, your goal after filing bankruptcy should be to establish a good credit history. Here are 5 simple things you can do to start re-establishing good credit.

You don’t have to give to everyone, every time, for everything. You can be selfish with how you choose to give. Whether it’s in volunteer work, donations, or to people who expect you do what they need. Yes, family and friends are included because they’re the ones who also expect you to give without limits whenever they need you.

Here are some ways to give that will make your heart smile without feeling like you’ve given everything to everyone.

1. Give to the things you believe in. Just because they ask doesn’t mean you have to give.
2. Share random acts of kindness. Letting someone in front of you, donating to a fundraiser.
3. Volunteer for an hour or two, don’t say yes to all day if you know that’s not what you want. Don’t let them talk you into it, stand firm.
4. Money drop. This is by far my favorite one. Give any amount you want. This is easy to do and fun if you have little ones; Get single dollars and fold them into a small square. Then get a small sticky note and write a positive message on them. Then just drop them on the ground in random places. My favorite place was when my son was in sports, I’d drop them around the school, the gymnasium, bathrooms, outside with notes such as be kind, smile, say thank you, you’re smart, you’re kind, and don’t cheat. You get the idea.
5. Volunteer for causes you believe in and take your kids with you.
6. Write a check or shop for organizations in your area. Call the local retirement home to see if you can donate or help. My son and I write out Valentines cards to the local retirement home near us every year since he was around 7, they’re all signed Cupid.
7. Bring a dish this holiday season to the house you go to not just Tupperware bowls, lol. Yes, I had to throw that in.

Don’t let others guilt you into how you should give, who you should give to, or the way you give. Be selfish with your generosity.

“What I need from you is understanding, so simple as 1, 2, 3… Understanding is what I need” – Xscape

The majority of people understand the basics. However, there are a number of complexities that could affect the average consumers credit. If you pay your debts on time, don’t carry a high balance on your credit card(s), don’t close older accounts unless absolutely necessary and only apply for new credit when necessary, you will be in good shape.

Your credit report indicates your ability to handle debt responsibly and will help lenders decide if you are a desirable customer. A high credit score can help you obtain low APR rates or secure special deals on loans. A low credit score may prevent you from securing loans and can hinder your ability to open a credit card, rent an apartment or even get a job. A history of inability to manage your debts successfully will make lenders uncomfortable about trusting you.

Social media, newspapers aids, news reporters, paparazzi, family, friends, associates and or enemy’s all have one thing in common, they share information. Now, the position we decide to take after we hear the stories isn’t always our decision. This is most certainly true if you just so happen to be filled with unstable emotions. Yup I said it, for every person who proclaims to “not be in their feelings” can often be caught one time or another in their feelings. Hell this post has the ability to put you in your feelings, hopefully after you take a deeper dive you’ll have been open enough to have learned something. Continue reading

You have been entered into the raffle. Be sure to check your email tomorrow because you will get an email that will tell you all about me and how I can serve you better in your business so be sure to open me when you see me in your inbox :) See you tomorrow!

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